Staff Software Engineer, Risk & Pricing

Flex

4h • $199,000 - $237,000 • Remote

About The Position

Flex is looking for a Staff Software Engineer to join our Risk Engineering team. This role operates as a senior technical leader responsible for designing and evolving the core platforms that power risk decisioning, fraud prevention, credit access, and pricing across Flex products.
You will own systems that sit at the intersection of risk management and monetization, including decision engines that evaluate customer behavior, credit exposure, and fraud signals, as well as a pricing platform that applies flexible, composable pricing rules across products, payment methods, and credit facilities.
This role requires deep experience in risk engineering—including credit and fraud decision systems—paired with hands-on experience designing and building pricing engines from the ground up. You will work closely with product, risk, data science, and finance leaders to translate complex business and risk strategies into scalable, auditable, and reliable technical systems.

Requirements

• 8+ years of professional software development experience, with ownership of complex, production-grade distributed systems.
• Strong background in risk engineering, including credit risk, fraud detection, or decision platform architecture.
• Prior experience building pricing engines or pricing platforms from the ground up, ideally in fintech, payments, lending, or subscription-based products.
• Experience operating as a technical lead, engineering manager, or tech lead manager, with demonstrated cross-team influence.
• 5+ years of hands-on experience with Java, including deep knowledge of JVM performance, memory tuning, and GC.
• Proficiency with Spring (Core/Web/Boot), Gradle, and testing frameworks such as JUnit.
• Experience designing service-oriented architectures, REST APIs, message queues, and scalable systems.
• Hands-on experience with AWS (EKS, Aurora RDS, DynamoDB, Elasticache) and containerized workloads.

Nice To Haves

• Experience with CI/CD systems (preferably GitHub Actions), Git, and engineering automation.
• Strong observability and reliability practices, including tools like DataDog.
• Experience with data platforms and analytics tooling such as Snowflake.
• Proficiency in Infrastructure as Code (e.g. CDK, Terraform).

Responsibilities

• Lead the architecture and evolution of Flex’s risk decisioning platforms, supporting credit eligibility, fraud prevention, and controlled access across products.
• Design and build a pricing engine from the ground up that integrates with risk decisions and supports customer- and product-level pricing.
• Own and operate high-scale, 24/7 APIs and distributed systems powering risk and pricing decisions across Flex.
• Provide technical leadership and guidance on system architecture, long-term platform vision, and engineering best practices.
• Balance hands-on execution with architectural decision-making, ensuring delivery velocity alongside long-term maintainability.
• Partner closely with Risk, Product, Data Science, and Finance leaders to translate business and risk strategy into scalable, auditable systems.
• Identify systemic risk, reliability, or scalability gaps and proactively lead initiatives to address them.
• Act as a technical leader and mentor, raising engineering standards through design reviews, technical guidance, and example.

Benefits

• Competitive medical, dental, and vision available from Day 1
• Company equity
• 401(k) plan with company match (our company match kicks off at the beginning of 2026)
• Unlimited paid time off + 13 company paid holidays
• Parental leave
• Flex Cares Program
• Free Flex subscription
• Competitive compensation + company equity
• Unlimited PTO

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed
• Number of Employees: 251-500 employees